Then why dont you look for another seller? It is plenty of sellers, usually i buy bitcoins to those guys who are offering bitcoin at a 2% - 4% over the market price, but only because they are safer than the others.

And bitcoinpanda? What is that? Be careful about that, i have never heard about that exchange or whatever it is, you can easily lose your money if they are just a scammy site.

be aware of those, it is plenty of them.

if you really want to buy using credit card, then try to buy on cex.io, they just need to verify your id (it takes no more than ten minutes) and then you are able to buy $300 max a day.